Today the real embodiment of the dream of a new car virtually unavailable to ordinary citizens.What to do if you still want a car, but the money is not enough?This situation is solved with the help of auto loan that you can get almost any bank.
Select Bank
Get a car loan is very simple.To begin to carefully select a bank.It should not just look on the Internet sites of various banks, but ask around friends or acquaintances.The man who previously faced with registration and payment of the loan, can best advise regarding the future of the borrower more loyal to the bank.If a person is very familiar with credit and interest rates, the repayment possibilities and so on., Select "ask friends" can be omitted.But take for example the program "Car Loan".Alfa-Bank, this bank offers a product - one of the largest banks in Russia and the CIS market.
"Car Loan" (Alfa Bank). What do I need to get
After the bank is selected, you should prepare a package of documents.Typically, a standard package of securities, including the passport of the borrower and his legitimate half, driver's license and a copy of these documents.It should also take into account that Alpha Bank will require confirmation of official income, ie a certificate of legal (this keyword when dealing with banks on the topic of credit) income.Work out at the last workplace before applying for a loan should be at least 3 months, and the total work experience must be from one year and above.Sometimes you may need, and employment history of the potential borrower.It is also required to fill the bank profile.It can be found on the official website, and there is such a service as "Car Loan" -kalkulyator.Alfa-Bank with the help of this service offers immediately calculate the interest rate and payment amount.The Guarantor or the collateral in case of "car loans" is not required.After all, the car serves as collateral.
program "Car Loan" (Alfa Bank): for what period
How long car loan?Alpha Bank offers to buy the car and pay the full amount within 1-5 years.When buying a new car loan repayment period may increase by another year.But keep in mind that the amount borrowed from the bank to buy a car, after 5 years will increase to 75% from the top.
What are the conditions at the program "Car Loan" (Alfa Bank)?
minimum possible amount of car loan is about 50 thousand. Rubles.The maximum is determined on an individual basis.Lending rates are not too high and is usually equal to 9-15% per annum in dollar loan and 16-20% per annum in rubles.To make sure you can drive in the search bar of your browser "Alfa-Bank," Car Loan "interest rate".The initial payment will be 10% to 50%.Perhaps the early repayment of the loan, but the amount should not be less than 28 thousand. Rubles.And please note that Alfa-Bank takes a commission of 0.99% for each successful return of the monthly minimum amount.For late payments will incur a penalty of 1% per day on the size of the debt.Such nuances are quite a few, so if you still want to take a car on credit is in Alfa-Bank, you should go to them in the office and find out all the details.
